Comparison of Systematic Investment Plan (SIP) and Value Investment Plan (VIP).

By July 30, 2012 October 30th, 2014 Blog

Query: Please find the comparison of Systematic Investment Plan (SIP) and Value Investment Plan (VIP) for your kind reference.

Nominal value 10000
Limit No Limit

Value Investment Plan (VIP)

Month Market Values (Nifty) Monthly Investment (Rs.) NAV (Rs.) Units Units @ end
4/15/2006 2943.9 10000.00 294.39 33.96854513 33.9685451
5/15/2006 3007.8 9907.94 300.78 32.94082385 66.909369
6/15/2006 2299.25 14992.43 229.93 65.2057229 132.115092
7/15/2006 2560.15 6932.82 256.02 27.07975816 159.19485
8/15/2006 2730.1 7803.94 273.01 28.58480236 187.779652
9/15/2006 2898.9 7471.10 289.89 25.77219291 213.551845
10/15/2006 3090.25 6687.52 309.03 21.64069977 235.192545
11/15/2006 3225.65 7724.00 322.57 23.94555405 259.138099
12/15/2006 3235.45 10790.91 323.55 33.35210148 292.490201
1/15/2007 3385.2 6802.88 338.52 20.09595008 312.586151
2/15/2007 3403.7 10744.42 340.37 31.56689461 344.153045
3/15/2007 3019.3 24693.49 301.93 81.78546422 425.93851
4/15/2007 3302.85 0.00 330.29 0 425.93851
5/15/2007 3421.9 6698.78 342.19 19.57620151 445.514711
6/15/2007 3486.7 9021.83 348.67 25.87498819 471.389699
7/15/2007 3791.65 0.00 379.17 0 471.389699
8/15/2007 3660.9 18264.97 366.09 49.89203206 521.281731
9/15/2007 3800.85 5160.23 380.09 13.57652869 534.85826
10/15/2007 4621.05 0.00 462.11 0 534.85826
11/15/2007 4923.85 0.00 492.39 0 534.85826
12/15/2007 5224 0.00 522.40 0 534.85826
1/15/2008 5282.1 10328.64 528.21 19.55405035 554.41231
2/15/2008 4432.6 53579.54 443.26 120.8760977 675.288408
3/15/2008 3868.65 46968.30 386.87 121.4074677 796.695876
4/15/2008 3938 8492.18 393.80 21.564695 818.260571
5/15/2008 4159.3 0.00 415.93 0 818.260571
6/15/2008 3679.75 48977.26 367.98 133.0994137 951.359984
7/15/2008 3085.5 65470.15 308.55 212.1865273 1163.54651
8/14/2008 3551.3 0.00 355.13 0 1163.54651
9/15/2008 3243.6 44398.50 324.36 136.8803113 1300.42682
10/15/2008 2553.3 91405.69 255.33 357.9904007 1658.41722
11/15/2008 2203.55 66175.45 220.36 300.312911 1958.73013
12/15/2008 2282.35 916.68 228.24 4.016391284 1962.74653
1/15/2009 2133.3 41541.24 213.33 194.7275892 2157.47412
2/15/2009 2264.3 0.00 226.43 0 2157.47412
3/16/2009 2114.8 44213.95 211.48 209.0691648 2366.54328
4/15/2009 2691.3 0.00 269.13 0 2366.54328
5/15/2009 2833.65 0.00 283.37 0 2366.54328
6/15/2009 3594.25 0.00 359.43 0 2366.54328
7/15/2009 3435.7 38230.33 343.57 111.2737762 2477.81706
8/15/2009 3749.6 0.00 374.96 0 2477.81706
9/15/2009 3939.65 0.00 393.97 0 2477.81706
10/15/2009 4165.45 0.00 416.55 0 2477.81706
11/15/2009 4162.25 17494.20 416.23 42.03063086 2519.84769
12/15/2009 4173.5 15700.79 417.35 37.62019862 2557.46789
1/15/2010 4468.15 0.00 446.82 0 2557.46789
2/15/2010 4096.2 69040.65 409.62 168.5480412 2726.01593
3/15/2010 4233.4 0.00 423.34 0 2726.01593
4/15/2010 4359.4 0.00 435.94 0 2726.01593
5/15/2010 4236.65 37258.34 423.67 87.94292604 2813.95885
6/15/2010 4314.8 5904.17 431.48 13.68352222 2827.64238
7/15/2010 4468.45 0.00 446.85 0 2827.64238
8/15/2010 4554.45 5100.54 455.45 11.19902879 2838.8414
9/15/2010 4861.3 0.00 486.13 0 2838.8414
10/15/2010 4998.7 0.00 499.87 0 2838.8414
11/15/2010 5042.8 12884.15 504.28 25.54959054 2864.39099
12/15/2010 4760.3 65092.33 476.03 136.7399715 3001.13097
1/15/2011 4566.75 53807.31 456.68 117.8240835 3118.95505
2/15/2011 4365.75 57719.04 436.58 132.2087699 3251.16382
3/15/2011 4399.65 14095.47 439.97 32.03770608 3283.20153
4/15/2011 4730.5 0.00 473.05 0 3283.20153
5/15/2011 4469 71463.66 446.90 159.9097288 3443.11125
6/15/2011 4457.3 24031.84 445.73 53.91568056 3497.02693
7/15/2011 4527.25 6967.10 452.73 15.38924609 3512.41618
8/15/2011 4150.66 102968.03 415.07 248.0762888 3760.49247
8/15/2011 -1560852.57
Total Investment 1283922.78 Received 1560852.57
Absolute Return 22%
CAGR 9.08%

Systematic Investment Plan (SIP)

Month Market Values (Nifty) Monthly Investment (Rs.) NAV (Rs.) Units Units @ end
4/15/2006

2943.9

10000

294.39

33.96854513

33.96854513
5/15/2006

3007.8

10000

300.78

33.24689142

67.21543654
6/15/2006

2299.25

10000

229.93

43.49244319

110.7078797
7/15/2006

2560.15

10000

256.02

39.06021132

149.768091
8/15/2006

2730.1

10000

273.01

36.62869492

186.396786
9/15/2006

2898.9

10000

289.89

34.49584325

220.8926292
10/15/2006

3090.25

10000

309.03

32.35984144

253.2524707
11/15/2006

3225.65

10000

322.57

31.00150357

284.2539742
12/15/2006

3235.45

10000

323.55

30.90760172

315.161576
1/15/2007

3385.2

10000

338.52

29.54035212

344.7019281
2/15/2007

3403.7

10000

340.37

29.37979258

374.0817207
3/15/2007

3019.3

10000

301.93

33.12025966

407.2019803
4/15/2007

3302.85

10000

330.29

30.27688209

437.4788624
5/15/2007

3421.9

10000

342.19

29.22353079

466.7023932
6/15/2007

3486.7

10000

348.67

28.68041415

495.3828073
7/15/2007

3791.65

10000

379.17

26.3737423

521.7565496
8/15/2007

3660.9

10000

366.09

27.3156874

549.072237
9/15/2007

3800.85

10000

380.09

26.30990436

575.3821414
10/15/2007

4621.05

10000

462.11

21.64010344

597.0222448
11/15/2007

4923.85

10000

492.39

20.3093108

617.3315556
12/15/2007

5224

10000

522.40

19.1424196

636.4739752
1/15/2008

5282.1

10000

528.21

18.93186422

655.4058395
2/15/2008

4432.6

10000

443.26

22.56012273

677.9659622
3/15/2008

3868.65

10000

386.87

25.84881031

703.8147725
4/15/2008

3938

10000

393.80

25.39360081

729.2083733
5/15/2008

4159.3

10000

415.93

24.04250715

753.2508805
6/15/2008

3679.75

10000

367.98

27.17575922

780.4266397
7/15/2008

3085.5

10000

308.55

32.40965808

812.8362978
8/14/2008

3551.3

10000

355.13

28.15870245

840.9950002
9/15/2008

3243.6

10000

324.36

30.82994204

871.8249423
10/15/2008

2553.3

10000

255.33

39.16500215

910.9899444
11/15/2008

2203.55

10000

220.36

45.38131651

956.3712609
12/15/2008

2282.35

10000

228.24

43.81448945

1000.18575
1/15/2009

2133.3

10000

213.33

46.87573243

1047.061483
2/15/2009

2264.3

10000

226.43

44.16375922

1091.225242
3/16/2009

2114.8

10000

211.48

47.28579535

1138.511037
4/15/2009

2691.3

10000

269.13

37.15676439

1175.667802
5/15/2009

2833.65

10000

283.37

35.29017345

1210.957975
6/15/2009

3594.25

10000

359.43

27.82221604

1238.780191
7/15/2009

3435.7

10000

343.57

29.10615013

1267.886341
8/15/2009

3749.6

10000

374.96

26.66951141

1294.555853
9/15/2009

3939.65

10000

393.97

25.38296549

1319.938818
10/15/2009

4165.45

10000

416.55

24.00701005

1343.945828
11/15/2009

4162.25

10000

416.23

24.025467

1367.971295
12/15/2009

4173.5

10000

417.35

23.96070444

1391.932
1/15/2010

4468.15

10000

446.82

22.38062733

1414.312627
2/15/2010

4096.2

10000

409.62

24.41287047

1438.725498
3/15/2010

4233.4

10000

423.34

23.62167525

1462.347173
4/15/2010

4359.4

10000

435.94

22.93893655

1485.286109
5/15/2010

4236.65

10000

423.67

23.6035547

1508.889664
6/15/2010

4314.8

10000

431.48

23.17604524

1532.065709
7/15/2010

4468.45

10000

446.85

22.37912475

1554.444834
8/15/2010

4554.45

10000

455.45

21.95654799

1576.401382
9/15/2010

4861.3

10000

486.13

20.57062926

1596.972011
10/15/2010

4998.7

10000

499.87

20.00520135

1616.977213
11/15/2010

5042.8

10000

504.28

19.83025303

1636.807466
12/15/2010

4760.3

10000

476.03

21.00707939

1657.814545
1/15/2011

4566.75

10000

456.68

21.89741063

1679.711956
2/15/2011

4365.75

10000

436.58

22.90557178

1702.617527
3/15/2011

4399.65

10000

439.97

22.72908072

1725.346608
4/15/2011

4730.5

10000

473.05

21.13941444

1746.486023
5/15/2011

4469

10000

446.90

22.37637055

1768.862393
6/15/2011

4457.3

10000

445.73

22.43510645

1791.2975
7/15/2011

4527.25

10000

452.73

22.0884643

1813.385964
8/15/2011

4150.66

10000

415.07

24.09255396

1837.478518
8/15/2011

-762674.8585
Total Investment 650000.00 Received 762674.8585
Absolute Return 17%
CAGR 6.01%
Total Installments 65
Max Installment 102968.03
No Investments 21 times
Mr. Gerard Colaco: The way a Systematic Transfer Plan (STP) / SIP strategy exploits market volatility over a period of five years is indeed illuminating.
The objectives of getting an investor to make serious commitments to equity when the stock market is down and lightening those commitments when the stock market rises without sacrificing a regular long-term investing programme are achieved without the investor even being aware of it.
What made me take a serious look at Dr Michael E Edleson’s concept of value averaging was the ringing endorsement it received from one of my heroes, Dr William J Bernstein. Bill Bernstein has written the foreword to the 2007 edition of Edleson’s book.
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